You thought you and your childhood friend had the same likes and dislikes, preferences and prejudices because you grew up together. Ever wondered why he continues to put his money in bank fixed deposit while you thrive on playing the stock markets? Its all about how different your risk profiles are.....

The Risk Analyser takes you through a series of scientifically designed multiple choice questions to understand your risk taking capacity and behaviour and thereby arrive at an assessment of your risk profile.

1) Your age is :

Under 30 30 - 40 41 - 50 51 - 60 60 or over

2) Your current annual take-home income is :

Under Rs 100,000 between Rs 100,000 and Rs 200,000 between Rs 200,000 and Rs 500,000 between Rs 500,000 and Rs 10,00,000 over Rs 10,00,000

3) The number of years you have until retirement is :

3 years or less 3 to 5 years 5 to 10 years 10 to 15 years 15 years or more

4) Your present job or business is :

Is not dependable Is relatively secure Is secure doesn't matter as you already have enough wealth doesn't matter as you can easily find an equally good new job/career

5) What is your expectation of how your future earnings would be :

It would far outpace inflation It would be somewhat ahead of inflation It would keep pace with inflation It may not be able to keep pace with inflation

6) How would you describe yourself as a risk-taker?

Careless Willing to take risks for higer returns Can take calculated risks low risk taking capability extremely averse to risk

7) How good is your knowledge of finance?

I'm an expert in the field of finance I'm proficient in finance I don't know much about finance but I keep myself updated about the developments through newspapers, journals, TV, etc. Limited to knowing things like how the stock market or certain select script is / are moving I'm totally zero as far as knowledge of finance is concerned

8) If you lose your job or stop working today, how long do you think your savings can support you

less than 3 months 3 - 6 months 6 months to 1 year 1 - 3 years More than 3 years

9) If you had Rs 50,000 to invest, which of the following choices would you make ?

Put the money in Bank Fixed Deposit and Bonds Invest the money in Mutual Funds Invest the money in Shares Invest in a combination of the above with higher proportion of Bank FDs and Bonds Invest in a combination of the above with higher proportion of Mutual Funds and shares

10) You have a market tip on the price appreciation of a certain scrip, you :

Immediately invest in the scrip Invest if you feel that the source of the tip is an experienced / expert market player Do some enquiry and analysis and then decide Want to invest but are generally unable to take a decision in such cases You don't rely on such tips or totally ignore it

11) You are on a TV game show and you win Rs 10,000. You have a choice to keep the money or risk it to win a higher amount. You :

Are happy with the Rs 10,000 that you've earned Risk the Rs 10,000 on a 50% chance of winning Rs 30,000 Risk the Rs 10,000 on a 25% chance of winning Rs 75,000 Risk the Rs 10,000 on a 10% chance of winning Rs 1,00,000

12) Which one of the following best describes your feeling immediately after making an investment, you :

Are not bothered - its just another investment for you Are satisfied and content with the decision Are not very sure whether you made the right decision Are worried Generally regret your decision

13) The stock market has dropped 25% and a share that you own also dropped 25%, but the market expects the share to go up again. What would you do ?

Sell all the shares Sell some of them Buy more of them Keep all of them as you expect the price to reach the earlier level Keep all of them as you are afraid of booking a loss

14) You have a substantial sum of money spare for about 6 months after which you need this sum to repay a loan, this sum is currently not invested anywhere. You would:

keep the money in your Bank Fixed Deposit or Open ended Debt Mutual Funds invest the money in Open ended Equity Oriented Mutual Fund invest the money in Equity Shares loan the money at market rates to businessmen invest the money in a combination of above

15) You are financially responsible for (exclude dependants who can be supported by your spouse's income)